Mobile communication device based monetary transfer system

Abstract

Systems and methods are disclosed for performing transactions using secure images. A device may collect transaction details and initiates the creation of a secure image. Upon creation of the secure image, the device may provide the secure image to second device participating in the transaction by displaying the secure image in a manner that allows the second device to capture the secure image or by providing the secure image in an electronic message. The second device may use the secure image to identify the transaction by providing the secure image to a secure server. Upon receiving the secure image, the secure server may provide transaction details to the second device. The second device may then send a confirmation of the transaction to the secure server, which may then complete the transaction. Use of the secure image allows the transaction to be performed without exposing sensitive transaction details.

1 - 20 . (canceled) 
     
     
         21 . A method for securely transmitting data over an open network, the method comprising:
 generating a user interface operable to receive the one or more transaction detail;   receiving, at the requesting device, one or more transaction details via the open network via the user interface;   upon determining that one or more required transaction details have been received via the user interface, enabling a user interface element operable to initiate the creation of a secure image;   in response to receiving a selection of the user interface element, sending, from the requesting device to a server via the open network, a request to create a secure transaction image, wherein the request does not include sensitive personal information for a responding party to the transaction;   receiving, at the requesting device via the open network, the secure transaction image from the server, wherein the secure transaction image is a unique user provided image digitally modified based upon the one or more transaction such that the secure transaction image is an optical representation of encoded and encrypted transaction details, the secure transaction image being optically distinct from the user provided image, the secure transaction image representing the one or more transaction details;   displaying the secure transaction image in a manner that allows the secure transaction image to be optically identified by a responding device, wherein the responding device is associated with the responding party; and   after displaying the secure transaction image to the responding device, receiving, at the requesting device, status information related to the transaction from the server.   
     
     
         22 . The method of  claim 21 , wherein the requesting device is a payee device. 
     
     
         23 . The method of  claim 21 , wherein the responding device is a payor device. 
     
     
         24 . The method of  claim 21 , wherein sending the request further-comprises sending the one or more transaction details to the server. 
     
     
         25 . A method for securely transmitting data over an open network, the method comprising:
 receiving, at a responding device associated with a responding party, a command to capture a secure transaction image from a requesting device, wherein the secure transaction image is a unique image created by digitally modifying a basis image based upon one or more transaction details of a transaction to create an optical representation of encoded and encrypted transaction details decipherable by a trusted server, and wherein the one or more transaction details do not include sensitive personal information for the responding party, wherein the sensitive personal information for the responding party comprises any of:   financial institution information;   account information; and   a unique personal identifier;   in response to receiving the command to capture the secure transaction image, performing operations comprising:
 activating a camera attached to the responding device; 
 displaying a capture user interface having a target area; 
 determining whether the secure transaction image is located within the target area; and 
 upon determining the secure transaction image is located within the target area, automatically causing capture of the secure transaction image using the camera; 
   in response to capturing the secure transaction image, automatically sending, by the responding device via the open network, the secure transaction image to a transaction core engine;   in response to sending the secure transaction image to the transaction core engine, receiving, from the transaction core engine via the open network, the one or more transaction details;   displaying, at the responding device, the one or more transaction details; and   sending, from the responding device to the transaction core engine via the open network, a request to complete the transaction, wherein the request to complete the transaction does not include sensitive personal information.   
     
     
         26 . The method of  claim 25 , further comprising prior to sending the confirmation of the transaction, modifying at least one transaction detail of the one or more transaction details. 
     
     
         27 . The method of  claim 26 , wherein modifying the at least one transaction detail comprises adding gratuity. 
     
     
         28 . The method of  claim 25 , wherein the one or more transaction details comprise at least one of:
 a transaction reference identifier;   an invoice amount; and   a gratuity amount.   
     
     
         29 . The method of  claim 25 , further comprising prior to sending confirmation to the transaction core engine, verifying that a user of the device is authorized to confirm the transaction. 
     
     
         30 . A computer readable medium comprising computer-executable code that, when executed by at least one processor, perform a method transmitting sensitive data over an open network, the method comprising:
 receiving, at a server, one or more transaction details for a transaction from a requesting device, wherein the one or more transaction details comprise at least a payment amount and wherein the one or more transaction details do not include sensitive personal information for a responding party to the transaction;   storing the one or more transaction details at the server;   creating, by the server, a secure transaction image, wherein the secure transaction image is a unique image of an optical representation of encoded and encrypted transaction details decipherable by the server, that represents the one or more transaction details, wherein the secure transaction image does not comprise sensitive personal information, and wherein creating the secure transaction image comprises:
 retrieving a user provided image associated with a requesting device; and 
 digitally modifying the user provided image based upon the one or more transaction details to generate an optically different image from the user provided image; 
   storing the secure transaction image at the server;   sending the secure transaction image to the requesting device;   receiving a candidate image from a responding device, wherein the responding device is associated with the responding party;   determining whether the candidate image and the secure transaction image are the same;   when the candidate image received from the responding device is determined to be the same as the stored secure transaction image sent to the requesting device, sending transaction confirmation details to the responding device; and   receiving a request to complete the transaction from the responding device.   
     
     
         31 . The computer readable medium of  claim 30 , wherein the method further comprises in response to receiving the request to complete the transaction from the responding device, providing a response to the requesting device. 
     
     
         32 . The computer readable medium of  claim 31 , wherein providing the response comprises sending a confirmation of the transaction to the requesting device. 
     
     
         33 . The computer readable medium of  claim 30 , wherein the method further comprises authenticating the responding device. 
     
     
         34 . The computer readable medium of  claim 33 , wherein authenticating the responding device comprises checking the location of the responding device against a known location for the requesting device. 
     
     
         35 . The method of  claim 21 , wherein the sensitive personal information for the responding party to the transaction comprises at least one of:
 financial institution information;   account information; and   a unique personal identifier.   
     
     
         36 . The computer readable medium of  claim 33 , wherein the sensitive personal information for the responding party to the transaction comprises any of:
 financial institution information;   account information; and   a unique personal identifier.   
     
     
         37 . A system comprising:
 a requesting device, the requesting device comprising:
 at least one processor for the requesting device; and 
 a first memory encoding computer executable instructions that, when executed, cause the at least one processor for the requesting device to perform operations comprising:
 generating a user interface operable to receive the one or more transaction detail; 
 receive one or more transaction details for a transaction via the user interface; 
 upon determining that one or more required transaction details have been received via the user interface, enabling a user interface element operable to initiate the creation of a secure image; 
 send a request to create a secure transaction image, wherein the request does not include sensitive personal information for a responding party to the transaction; 
 in response to sending the request to create a secure transaction image, receive the secure transaction image, wherein the secure transaction image is a unique image that represents the one or more transaction details; 
 provide the secure transaction image to a responding device, wherein the responding device is associated with the responding party; and 
 in response to providing the secure transaction image to the responding device, receive transaction status information; 
 
   a server comprising:
 at least one processor for the server; and 
 a second memory encoding computer executable instructions that, when executed, cause the at least one processor for the server to perform operations comprising:
 receive the one or more transaction details for the transaction from the requesting device, wherein the one or more transaction details comprise at least a payment amount and wherein the one or more transaction details do not include sensitive personal information for a responding party to the transaction; 
 store the one or more transaction details; 
 in response to receiving the request to create the secure transaction image from the responding device, create the secure transaction image by digitally modifying a basis image based upon one or more transaction details of a transaction to create an optical representation of encoded and encrypted transaction details decipherable by a trusted server, wherein the secure transaction image does not comprise sensitive personal information; 
 store the secure transaction image; 
 send the secure transaction image to the requesting device; 
 after sending the secure transaction image, receive a candidate image from the responding device; 
 determine whether the candidate image and the stored secure transaction image are the same; 
 when the candidate image is determined to be the same as the stored secure transaction image sent to the requesting device, send transaction confirmation details to the responding device; 
 receive a request to complete the transaction from the responding device; and 
 in response to receiving the request to complete the transaction from the responding device, send the transaction status information to the requesting device; and 
 
   the responding device, comprising:
 at least one processor for the responding device; and 
 a third memory encoding computer executable instructions that, when executed, cause the at least one processor for the responding device to perform operations comprising: 
 activating a camera attached to the responding device; 
 displaying a capture user interface having a target area; 
 determining whether the secure transaction image is located within the target area; and 
 upon determining the secure transaction image is located within the target area, automatically causing capture of the secure transaction image using the camera; 
 in response to capturing the secure transaction image, automatically sending, by the responding device via the open network, the secure transaction image to a transaction core engine as the candidate image; 
 receive a secure transaction image from the requesting device; 
 in response to receiving the secure transaction image, send the candidate image to the server, wherein the candidate image and the secure transaction image received from the requesting device are the same; 
 in response to sending the candidate image to the server, receive, from the server, the one or more transaction details; 
 provide the one or more transaction details; and 
 after providing the one or more transaction details, send the request to complete the transaction to the server.